PRIVACY AND INFORMATION SECURITY AT
C&N FINANCIAL SERVICES Corp. (C&NFS)
This information is provided on behalf of the following companies which are owned or controlled by Citizens & Northern Corp., a financial holding company:

 Citizens & Northern Bank
 C&N Financial Services Corp.
 C&N Trust & Financial Management Group

Privacy is about trust, and at C&N Financial Services Corp.(C&NFS), your trust is our most valued asset. While the Gramm-Leach-Bliley Act of 1999 established new requirements for financial institutions, safeguarding our clients' privacy is nothing new at C&N. It is important to us that you understand how we protect your confidential information.

We encourage you to click on the following information to learn more about how we manage information security.

Privacy Policy - Our Privacy Policy includes a description of how confidential information is collected and shared at C&N, along with a description of the steps we take to protect that information.

Privacy Notice - Our Privacy Notice is the formal notice required by the Gramm-Leach-Bliley Act, and is the same notice that you may receive when opening a new relationship with us.

Children's Online Privacy Protection - Our pledge that we recognize our responsibility to protect the privacy of children under the age of 13.

If you have any questions, please email Citizens & Northern's Chief Privacy Officer, John Reber, at johnr@cnbankpa.com.

All Insurances are offered through C&N Financial Services, Corp., a subsidiary of Citizens & Northern Bank